Mabhangi ndiyo inonyanya kufanirwa kune chikwereti chemari , asi chikwereti chinogonawo kubudiswa nekambani yega kana kunyange neshamwari kana nhengo yemhuri.
Kubatsirwa Kwemari Chikwereti
- Chengetedza unhu: Iwe unosungirwa kuita zvibvumirano zvinotenderwa nenguva iyo iwe unokwereta kubva kubhangi kana kune imwe chikwereti, asi ndiwo mugumo wezvaunosungirwa. Iwe unowana kodzero yekushanda bhizinesi rako asi iwe unosarudza kunze kwekupindira kwekunze.
- Kubviswa kwemitero: Ichi chikokwe chikuru chekubhadhara chikwereti. Muzviitiko zvakawanda, mutero mukuru uye kufarira kune chikwereti chemabhizimisi chinorondedzerwa sebhizimisi mari uye naizvozvo, saka, inoderedzwa kubva pamari yebhizimisi yako panguva yemitero. Inobatsira kufunga nezvehurumende se "mudiwa" mubhizimusi rako munyaya iyi, neine 30 muzana wehutanda danda kana chero yekutengeserana kwebhizimisi yako.
- Nharaunda yekuderera kwepamusoro: Ongorora mafungiro emitengo yakabviswa pamabhangi emari yekutengesa. Kana bhengi iri kukubhadhara iwe 10 kubva muzana yemari yako yako uye hurumende inotora iwe pa30 kubva muzana, pane zvakakosha kutora chikwereti chaunogona kutora.
Dhiyabhorosi Kumatora Chikwereti
- Kubhadhara: Iwe unongozvigadzirira kune chikwereti ndeyekubhadhara kwako, asi iwe ucharamba uchishanda izvozvo kunyange kana bhizinesi rako richikundikana. Uye vateresi vako vachave nekutora kubhadhara pamberi pevamwe vatengesi vechirango kana iwe ukamanikidzwa kupinda mu bankruptcy.
- Musoro wepamusoro: Kunyange mushure mokunge maverenga kuderedzwa kwechido chekuda kubva pamitengo yako yakabviswa, iwe unogona kunge uchitarisana nehuwandu hwekubhadharwa kwezvikwereti nokuti izvi zvichabva zvichienderana nemaitiro macroeconomic, nhoroondo yako nemabhangi, bhizinesi rako rekwereti uye nhoroondo yako yekwereti.
- Zvinokonzerwa nekwereti yako: Zvingaita sekunakidza kuramba uchiunza chikwereti apo yako yakasimba inoda mari, muitiro unoziva sekuti "kusunungura," asi chikwereti chimwe nechimwe chichaonekwa pamusoro pekwereti yako yekwereti uye ichakanganisa chikwereti chako. Kana ukakwereta, inowedzera njodzi inowanikwa kune chikwereti kuitira kuti iwe ubhadhara chikwata chapamusoro chechikwereti pane chikwereti chinotevera.
- Mari uye mari: Kunyange kana ukaronga kushandisa mari yacho kuti iwe uwane mari inokosha, iwe unofanira kuva nechokwadi chokuti bhizinesi rako richaita mari yakakwana yekuyerera panguva yekubhadhara chikwereti chakarongwa kutanga. Iwe unogonawo kubvunzwa kuti uise mari yekuchengetedza chikwereti paunenge usiri kutora mari yako.
Zvimwe zvekubhadhara chikwereti
- Equity mari yekubhadhara : Izvi zvinosanganisira kutengesa zvikamu zvekambani yako kune vanofarira vatengi kana kuisa zvimwe zvemari yako mukambani.
- Mezzanine mari yekubhadhara : Chikwereti ichi chinopa mabhizimusi asina chikwereti chisingabhadharwi - hapana chikwata chinodiwa - asi tradeoff inowedzera-interest rates, kazhinji mune 20 kusvika ku30 muzana. Uye pane kubata. Uyo anokweretesa ane kodzero yekushandura chikwereti chacho muhutano mukambani kana kambani inofanirwa pamaripo. Mezzanine mari inoshevedza vashambadziri nokuti inopa mari yekukurumidza, uye bhagi rinotora kazhinji harifariri kuva mubatanidzwa kunyange zvazvo chikwereti chinogona kutendeuka kuhutano. Havasi kutarisira kutonga kambani.
- Mari yeHybrid: Makambani akawanda anoshandiswa kuine chikwereti chekwereti uye mari yehutano yekubhadhara mari yavo. Nhau yacho zvino inobva yava kugadzirisa kusanganiswa kwakakodzera? Imwe nyanzvi yezvemari ndeyeMoregliani-Miller theorem iyo inotaura kuti mumusika wakakwana, pasina mutero, kukosha kwekambani kune imwechete kana iine mari yakakwana zvachose nemari chikwereti, kuenzana kana yehuwandu. Asi izvi zvinofungidzirwa sezvinyorwa zvekare nokuti makambani chaiwo anofanira kubhadhara mitero uye kune mari inobatanidza nekushungurudza.
Chikwereti / Equity Ratio
Chikwereti / kuenzanisa chikwata chinongoreva kuparadzanisa chikwereti chako chakanaka nehuwandu hwehutano hwako. Vose vatengesi nevatengesi vanoda kuona nhamba iyi kuti vawane pfungwa yekuti mari inobatsira sei yakasimba. Vachange vachida kuziva kuti vashandisi vavo varipi mune zvakaitika apo firimu yenyu inopera.
Vanokwereta zvikwereti vane chinhu chakanyanya kupfuura avo vanobatana muhutano mukuwana mari kubva kubhadhara.
Iwe unogona kunge wakatora chikwereti mumatangiro ekutanga, asi ona kuti "levered up" yako yakasimba yakaenzaniswa neyese yemabhizimisi ako. Bizstats.com inopa nzira iri nyore yekuongorora chikwereti-ku-equity chikwata ichienderana neurongwa hwezvigadzirwa zvemabhizimusi. Bhengi iri pakati pezvimwe zvinowanzoisa pangozi maindasitiri ane chiyero chemakumi maviri nemakumi mashanu, asi inyanzvi yemagetsi inosvika pane imwechete 0.7.
Nguva Yokushandisa Chikwereti Chekubhadharira
Munhu anokweretesa achatsvaka zvikamu zvekubhadhara mari pachikwereti chavo nguva pfupi mushure mekubhadhara mari. Izvi zvinoreva kuti iwe uchada mari kuti utange kugadzira zvikwereti mune zvishoma zvishoma. Kunyange bhizinesi rinobudirira rinogona kuzviwanira mari-pfupi kana mari yayo yakasungirwa mumidziyo kana kana vatengi vari kubhadhara. Paunenge uchitarisa kutora chikwereti, zvibvunze kuti:
- Ndiri kushandisa mari iyi kuisa mari yakaiswa kana yakasiyana? Kana iwe uri kuisa mari yakagadziriswa yakaita sechigadziro chitsva chezvigadzirwa, ipapo iwe haungambooni chero mari inodzoka kubva iko munguva iri pedyo. Asi kana iwe uchida mari yekuisa mari inoshandiswa zvakasiyana sezvinhu zvekugadzira kwaunoita kana kuti mari inobatanidzwa neyemuteereri umwe neumwe, chikwereti chekutsvaga mari inofanira kunge yakabatanidza mari inowanikwa.
- Ko vatengi vangu vanoita sei? Vateresi vanogara vachibhadhara panguva ino inonyanya kukosha kuti uwane mari uye iwe unokwanisa kubhadhara chikwereti. Cherechedza maitiro ekubhadhara kwevatengi vako uye funga nezvekukurudzira kuti vabhadhe kare. Tarisa neshamwari uye makwikwi kuti uone kuti mitemo yako yekubhadhara inowirirana nemitemo yako yebhizimisi.
- Ndekupi ndiri muhupenyu hwangu hwebhizimisi? Chikwereti chekubhadhara chinogona kuva nengozi mumatanho ekutanga echinhu chakasimba. Iwe uchave uchirasikirwa nemari pakutanga uye izvi zvinogona kukuvadza kwako kukwanisa kubhadhara nenguva. Mari yako yekuwana mari ichave yakaderera kuitira kuti kubhadhara mutero wekwereti kuve kusina kukwana. Sezvo bhizinesi rako richikura uye richikura, chikwereti chinowedzera chisarudzo. Iko kushandiswa kwemutero kuchava kukuru, kushamba kwemari kwako kuchava kunofanirwa kuitika, uye njodzi yaunotarisana nayo inogona kupedzisira inopera kubva iwe wave uchishanda kwenguva refu.